Synovus Financial (SNV) 2005年年度报告「NYSE」.pdf

1、2005 ANNUAL REPORTSynovus is a company unique in the marketplace.Our differencesset us apart from other financial services companiesand give us strengthto move ahead of our competition.Financial Highlights2Letter to Shareholders4The Synovus Family of Companies14Board of Directors16Shareholder Inform

2、ation17Our growing geographic footprint,our decentralizedmanagement style,the unique asset we have in TSYS,and our peopleare the differences that make us strong.2Synovus 2005 Annual Reportyear ended December 3120052004%change(dollars in thousands,except per share data)Total Revenues(1)$2,574,583$2,1

3、52,07719.6Net Income516,446437,03318.2Net Income Per Share Basic1.661.4216.6Net Income Per Share Diluted1.641.4116.5Total Assets27,620,67225,050,17810.3Net Loans21,102,73519,214,6519.8Total Deposits20,784,36518,577,46811.9Shareholders Equity2,949,3292,641,28911.7Book Value Per Share9.438.5210.7Divid

4、ends Declared Per Share0.730.695.3Return on Assets1.96%1.88%nm(2)Return on Equity18.4517.63nmEquity/Assets10.6810.54nmFee Income/Total Revenues(1)62.3660.01nmNet Interest Margin,Before Fees4.053.92nmNet Interest Margin,After Fees4.194.22nmAllowance for Loan Losses/Loans1.351.36nmNonperforming Assets

5、 Ratio0.460.52nmNet Charge-Off Ratio0.290.23nmProvision to Net Charge-Offs Multiple1.411.83nmTeam Membersas of December 3120052004%changeBanking&Other Synovus Companies6,6396,4502.9TSYS6,7935,77717.6Total Team Members13,43212,2279.9Stock Informationas of December 3120052004%changeClosing Stock Price

6、$27.01$28.58(5.5)Number of Shares Outstanding(in thousands)312,640309,9750.9Annual Shares Traded(in millions)1571560.6Price/Earnings Multiple16.4720.27nmPrice/Book Multiple2.863.35nmStock Ownership Summaryas of December 3120052004200320022001Shareholders(of record and beneficial owners)102,14087,954