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The data on Table 4 is taken from the 2013 annual report for Synovus-.pdf

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The data on Table 4 is taken from the 2013 annual report for Synovus, which reported $812 million in NII before provisions and $26.3 billion in average assets in 2013. Review the information and answer the following questions: a) What happened to earning asset yields between 2012 and 2013 ? What happened to the interest cost of liabilities over the same period? b) What were the bank's spread and NIM in 2013 ? Why did the two figures differ? c) How much did earning assets and interest-bearing liabilities change in 2013 versus 2012 ? What was the likely impact on NII from the differential change? Explain. TAmtr a Average Consolidated Average Ealances, Interest. and Yields rante 4 (continued) 3 rakte 4 (continued) 4.

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The data on Table 4 is taken from the 2013 annual report for Synovus, which reported $812 million in NII before provisions and $26.3 billion in average assets in 2013. Review the information and answer the following questions: a) What happened to earning asset yields between 2012 and 2013 ? What happened to the interest cost of liabilities over the same period? b) What were the bank's spread and NIM in 2013 ? Why did the two figures differ? c) How much did earning assets and interest-bearing liabilities change in 2013 versus 2012 ? What was the likely impact on NII from the differential change? Explain. TAmtr a Average Consolidated Average Ealances, Interest. and Yields rante 4 (continued) 3 rakte 4 (continued) 4

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