Fourth Quarter 2023 Results Forward-Looking Statements Management does not provide a reconciliation for forward-looking non-GAAP financial measures where it is unable to provide a meaningful or accurate calculation or estimation of reconciling items and the information is not available without unreasonable effort. This is due to the inherent difficulty of forecasting the occurrence and the financial impact of various items that have not yet occurred, are out of Synovus' control, or cannot be reasonably pred ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ______________________________ FORM 10-Q ______________________________ ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 Commission file number 1-10312 ______________________________ SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) ______________________________ Georgia 58-1134883 (State or other jurisdiction of incor ...

Got it, thatÂ's helpful, then maybe just one other one. On the non-interest bearing deposits, theyÂ're down fairly sharply again. Peers are seeing the pace of outflows abate fairly materially. How close are you to seeing a bottom? When you talk about your expectation for NIM to stabilize in 1Q and then expand, whatÂ's the underlying assumption of where non-interest bearing deposits are? Thanks. Thank you Jamie. IÂ'll now continue with our updated fundamental guidance for the remainder of 2023. Loan growth i ...

• Capital build and preservation is near-term priority given the uncertain economic outlook 12.45% 10.59% 10.89% 9.52% 9.63% 9.77% 9.86% 10.13% 3Q22 4Q22 1Q23 2Q23 3Q23 (1) 12.80% 13.12% 11.18% Common Equity Tier 1 Tier 1 Tier 2 | --- | --- | |---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------| | | NTM PPNR Impact | | Third Party Auto Loan Sale • Benefit to liquid ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ______________________________ FORM 10-Q ______________________________ ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2023 Commission file number 1-10312 ______________________________ SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) ______________________________ Georgia 58-1134883 (State or other jurisdiction of (I.R.S. in ...

Synovus Financial Corp. (NYSE:SNV) Q2 2023 Earnings Conference Call July 20, 2023 8:30 AM ET Â Company Participants Cal Evans - Head, Investor Relations Kevin Blair - Chairman, President and CEO Jamie Gregory - Chief Financial Officer Bob Derrick - Chief Credit Officer Conference Call Participants Steven Alexopoulos - J.P. Morgan Brady Gailey - KBW Stephen Scouten - Piper Sandler Kevin Fitzsimmons - D.A. Davidson Jared Shaw - Wells Fargo Manan Gosalia - Morgan Stanley Brandon King - Truist Securities Brody ...

• YoY expense increase drivers include new initiative and infrastructure investments as well as investments in our workforce and FDIC/healthcare costs • Continue to move forward with key strategic investments while rationalizing overall spend in light of the current environment ◦ Headcount reduction of 86 in mortgage, technology and operations in 2Q23 ◦ Voluntary early retirement program to be completed in 3Q23, expected to impact ~125 team members ◦ Expect to receive long-term net benefit after role reallo ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ______________________________ FORM 10-Q ______________________________ ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 Commission file number 1-10312 ______________________________ SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) ______________________________ Georgia 58-1134883 (State or other jurisdiction of (I.R.S. i ...

Synovus Financial Corp. (NYSE:SNV) Q1 2023 Earnings Conference Call April 20, 2023 8:30 AM ET Company Participants Cal Evans - Senior Director, IR Kevin Blair - Chairman, President, and CEO Jamie Gregory - CFO Robert Derrick - CCO Conference Call Participants Bradley Milsaps - Piper Sandler Ebrahim Poonawala - Bank of America Securities Anthony Elian - J.P. Morgan Brady Gailey - Keefe, Bruyette, & Woods Michael Rose - Raymond James Jared Shaw - Wells Fargo Kevin Fitzsimmons - D.A. Davidson Christopher Marin ...

First Quarter 2023 Results 2 This slide presentation contains certain non-GAAP financial measures determined by methods other than in accordance with generally accepted accounting principles. Such non-GAAP financial measures include the following: adjusted net income available to common shareholders; adjusted diluted earnings per share; adjusted return on average assets; return on average tangible common equity; adjusted return on average tangible common equity; adjusted non-interest revenue; adjusted reven ...