5 Year

STOCK PERFORMANCE

OUR COMPANY

investor.synovus.com • Twitter: @synovus • linkedin.com/company/synovus

Synovus Financial Corp. (NYSE: SNV) is a financial services company based in Columbus, Georgia, with approximately $47 billion in assets. Through its wholly-owned subsidiary, Synovus Bank, the company provides commercial and retail banking services, including private banking, treasury management, wealth management, premium finance, and international banking. Synovus also provides mortgage services, financial planning, and investment advisory services through its wholly-owned subsidiaries, Synovus Mortgage, Synovus Trust, and Synovus Securities, as well as its Global One, GLOBALT, and Creative Financial Group divisions. Synovus’ range of products and services, along with its industry-leading reputation and focus on local communities, make the company a compelling choice for customers in some of the best markets in the southeast.

$47 billion in assets

300 branches in 5 states

$38 billion in deposits

(as of 3/31/2019)

LENDING MARKET MAPATTRACTIVE FRANCHISE

Core commercial and retail banking franchise

CAPITAL RETURNED

2016 2017 2018 1Q2019

$29

$106$69

$59 $320

$175$175

$263

Share Repurchase Dividend

$281$244

$322

+expanded footprint for middle market lending in contiguous states

+national footprint applicable for insurance premium finance and consumer lending partnerships

$349

9.5%

6.5%

10.9%

S&P 500 KBW SNV

2013 2014 2015 2016 2017 2018

$3.47

$2.17$1.89

$1.62$1.33

$0.88

EARNINGS PER SHARE

Cautionary language regarding forward-looking statements:  The foregoing presentation contains forward-looking statements, which by their nature involve risks and uncertainties.  Please refer to Synovus’ 2018 Annual Report on Form 10-K filed with the Securities and Exchange Commission for information concerning forward-looking statements under the caption “Forward-Looking Statements” and for a description of certain factors that may cause actual results to differ from goals referred to herein or contemplated by such statements. (1) Annualized (2) Non-GAAP financial measure as defined in the appendix of the Q1 2019 Earnings Call Presentation, which can be found within the Events and Presentations section of website investor.synovus.com.

2019 OUTLOOK

Balance Sheet 5.5 to 7.5%

Revenue 5.5 to 7.5%

Non-interest Expense and Taxes2 to 4%

23 to 24%

Credit and Capital15 to 20 b.p.s

$300 to $350 million Up 20% to $1.20

CONTINUED BROAD-BASED IMPROVEMENT

ROTCE ~17.0%

RECENT RECOGNITION

2015 1Q19

$3.99

$1.65

$2.92

$1.62

Reported Adjusted

Diluted EPS

(1) 2015 1Q19

50.24%

64.81%61.29%

65.61%

Reported Adjusted

Efficiency Ratio

(2)

‣ Expanding Sources of Growth: high-opportunity segments and markets

‣ Building High Performing Teams: attract and retain the best and the brightest

‣ Differentiating Customer Experience: make transactions easy and accessible anytime, anywhere

‣ Transforming Digital: build and deploy to improve go-to market delivery channels

‣ Efficiency, Scale, and Modernization: prioritize, automate and scale for speed to market

‣ Leveraging Data as an Asset: predictive analytics, business intelligence and data maturity

Will drive sustained 10+% CAGR EPS growth and enhanced long-term targets STRATEGIC AREAS OF FOCUS

Long-term Targets:

ROA ~1.45%

2015 1Q19

1.45%

0.82%

1.06%

0.80%

Reported Adjusted

ROAA

(1)

2014 2015 2016 2017 2018

$280$345

$273$268$262 $1,148

$1,023$899

$827$819

Net-interest Income Non-interest Income

SUSTAINED REVENUE GROWTH

$1,172$1,095$1,081

$1,368 $1,428

(2)

Adjusted Tangible Efficiency Ratio ~50%

(2)(2)