Financial Performance - Net interest income increased by 1% QoQ to $459561 thousand[7] and 6% YoY[7] - Non-interest revenue increased significantly by 15% QoQ and 204% YoY to $134135 thousand[7] - Total revenue grew by 4% QoQ and 94% YoY reaching $593696 thousand[7] - Adjusted diluted EPS increased by 14% QoQ and 28% YoY to $148[7] - Adjusted revenue is expected to be between $495 million and $515 million for 2025[38] Balance Sheet - Loans increased by 2% QoQ to $43537 million[9] and 1% YoY[9] - Deposits decreased by 2% QoQ to $49925 million[9] and 1% YoY[9] - Core deposits decreased by 2% QoQ but increased by 1% YoY, reaching $45208 million[9] - Non-interest bearing deposits remained relatively stable at $11658 million[9] Credit Quality & Capital - The net charge-off ratio improved to 017%[9] - The non-performing loan ratio remained stable at 059%[9] - The CET1 ratio increased to 1091%[9]

Synovus' Transformation and Growth - Synovus has undergone a multi-year transformation, enhancing its ability to succeed [6] - The company is capitalizing on growth tailwinds with stronger loan growth, balanced core deposit growth, and continued healthy non-interest revenue growth [11, 21] - Synovus is focused on long-term shareholder value creation [14] Financial Performance and Guidance - The Common Equity Tier 1 Ratio decreased by 440 bps from 3Q22 [13] - Allowance For Credit Losses increased by 112 bps from 3Q22 [13] - Wholesale Funding/Assets increased by 11 bps from 3Q22 [13] - The company projects 3%-6% loan growth and 3%-6% core deposit growth for 2025 [35] - Synovus anticipates 3%-7% adjusted revenue growth and 3%-7% adjusted non-interest expense growth in 2025 [35] Strategic Initiatives - Synovus is targeting a 20-30% expansion of relationship managers over the next 3 years [26] - Strategic growth segments include Middle Market, Specialty Lending, and CIB [22]

Earnings Results First Quarter 2025 Forward-Looking Statements This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact are forward-looking statements. You can identif ...