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]