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Synovus Financial (SNV) - 2024 Q2 - Earnings Call Presentation

43,31043,310 (195) 2121 (43) 1Q24 C&I CRE Consumer 2Q24 Loan Loss Provision and Net Charge-Offs (inmillions)in millions)39 7373 45 5454 26 2626 67 4242 44342Q233Q234Q231Q242Q24ProvisionforCreditLossesNetChargeOffsLoanSaleChargeOffsNCORatio:AmountsmaynottotalduetoroundingContinuetoexpectflattodownNCOs/averageloansin2H24versus0.3634 2Q23 3Q23 4Q23 1Q24 2Q24 Provision for Credit Losses Net Charge-Offs Loan Sale Charge-Offs NCO Ratio: Amounts may not total due to rounding • Continue to expect flat to down NCOs/average loans in 2H24 versus 0.36% in 1H24 Allowance for Credit Losses 527 533533 537 546546 538 1.19% 1.22% 1.24% 2Q23 3Q23 4Q23 1Q24 2Q24 ($ in millions) Allowance for Credit Losses ACL ...