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SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ----------------- FORM 11-K (Mark One) [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2004 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED] For the transition period from _______________ to _________________ COMMISSION FILE NUMBER 1-3187 A. Full title of the plan and address of the plan, if different from that of the issuer named below: CENTERPOINT ENERGY, INC. SAVINGS PLAN B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: CENTERPOINT ENERGY, INC. 1111 LOUISIANA STREET HOUSTON, TEXAS 77002

TABLE OF CONTENTS Reports of Independent Registered Public Accounting Firms Page 1 Financial Statements: Statements of Net Assets Available for Benefits, December 31, 2004 and 2003 Page 3 Statement of Changes in Net Assets Available for Benefits for the Year Ended December 31, 2004 Page 4 Notes to Financial Statements Page 5 Supplemental Schedules: Schedule H, line 4i-Schedule of Assets (Held at End of Year), December 31, 2004 Page 10 Schedule H, line 4j-Schedule of Reportable Transactions for the Year Ended December 31, 2004 Page 14 Pursuant to Item 4 of Form 11-K, the financial statements and schedules referred to above have been prepared in accordance with regulations of the Employee Retirement Income Security Act of 1974. Other supplemental schedules required by Section 2520.103-10 of the Department of Labor Rules and Regulations for Reporting and Disclosure under ERISA have been omitted because they are not applicable.

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM CenterPoint Energy, Inc. Savings Plan We have audited the accompanying statement of net assets available for benefits of the CenterPoint Energy, Inc. Savings Plan (Plan) as of December 31, 2004 and the related statement of changes in net assets available for benefits for the year ended December 31, 2004. These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion. In our opinion, the financial statements referred to above present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2004 and the changes in net assets available for benefits for the year then ended in conformity with accounting principles generally accepted in the United States of America. Our audit was conducted for the purpose of forming an opinion on the basic financial statements taken as a whole. The accompanying supplemental schedules, listed in the Table of Contents, are presented for the purpose of additional analysis and are not a required part of the basic financial statements, but are supplementary information required by the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. The supplemental schedules are the responsibility of the Plan's management. The supplemental schedules have been subjected to the auditing procedures applied in our audit of the basic financial statements and, in our opinion, are fairly stated in all material respects in relation to the basic financial statements taken as a whole. MC CONNELL & JONES LLP Houston, Texas June 10, 2005 1

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM CenterPoint Energy, Inc. Savings Plan: We have audited the accompanying statement of net assets available for benefits of the CenterPoint Energy, Inc. Savings Plan (Plan) as of December 31, 2003. These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion. In our opinion, such financial statements present fairly, in all material respects, the net assets available for benefits of the Plan at December 31, 2003 in conformity with accounting principles generally accepted in the United States of America. DELOITTE & TOUCHE LLP Houston, Texas June 25, 2004 2

CENTERPOINT ENERGY, INC. SAVINGS PLAN STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS DECEMBER 31, ------------------------------- 2004 2003 -------------- -------------- ASSETS Investments $1,110,861,275 $1,141,446,153 -------------- -------------- Participant loans 31,923,161 40,956,007 -------------- -------------- Receivables: Dividends and interest 1,217,426 458,001 Pending investment transactions 945,406 - Employer contributions 714,040 9,660,718 Participant contributions 1,338,580 1,173,093 -------------- -------------- Total receivables 4,215,452 11,291,812 -------------- -------------- Total Assets 1,146,999,888 1,193,693,972 -------------- -------------- LIABILITIES Interest on ESOP loans from Company - 12,975 ESOP loans from Company - 1,344,704 Pending investment transactions 194,246 - Other 236,684 812,812 -------------- -------------- Total Liabilities 430,930 2,170,491 -------------- -------------- NET ASSETS AVAILABLE FOR PLAN BENEFITS $1,146,568,958 $1,191,523,481 ============== ============== See Notes to Financial Statements. 3

CENTERPOINT ENERGY, INC. SAVINGS PLAN STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS FOR THE YEAR ENDED DECEMBER 31, 2004 INVESTMENT GAIN: Dividends $ 22,020,810 Interest 6,169,584 Net appreciation of investments 171,450,782 ------------- Total investment gain $ 199,641,176 CONTRIBUTIONS: Participant contributions 46,170,363 Employer contributions 21,240,322 ------------- Total contributions 67,410,685 Administrative expenses (1,224,298) Plan to plan transfers (224,724,975) Benefit payments (86,050,017) Interest on ESOP loans from Company (7,094) ---------------- DECREASE IN NET ASSETS AVAILABLE FOR PLAN BENEFITS (44,954,523) NET ASSETS AVAILABLE FOR PLAN BENEFITS: BEGINNING OF PERIOD 1,191,523,481 ---------------- END OF PERIOD $ 1,146,568,958 ================ See Notes to Financial Statements. 4

CENTERPOINT ENERGY, INC. SAVINGS PLAN NOTES TO FINANCIAL STATEMENTS 1. BACKGROUND CenterPoint Energy, Inc. (CenterPoint Energy or the Company) is a public utility holding company, created on August 31, 2002 as part of a corporate restructuring of Reliant Energy, Incorporated (Reliant Energy). CenterPoint Energy is the successor as plan sponsor to the Reliant Energy, Incorporated Savings Plan and has subsequently changed the plan's name to the CenterPoint Energy, Inc. Savings Plan (the Plan). In July 2004, the Company announced its agreement to sell its majority owned subsidiary, Texas Genco Holdings, Inc. (Texas Genco), to Texas Genco LLC (formerly known as GC Power Acquisition LLC), an entity owned in equal parts by affiliates of the Blackstone Group, Hellman & Friedman LLC, Kohlberg Kravis Roberts & Co. and Texas Pacific Group. Associated with the sale agreement, the Company acquired on December 14, 2004 the outstanding common stock of Texas Genco including shares held by the Plan. In October 2004, the Company created a stand-alone savings plan for Plan participants impacted by the Texas Genco sale and initiated a plan-to-plan asset transfer of approximately $225 million. 2. ACCOUNTING POLICIES Basis of Accounting The accompanying financial statements have been prepared on the accrual basis of accounting in accordance with accounting principles generally accepted in the United States of America. Investment Valuation and Income Recognition The Plan recognizes net appreciation or depreciation in the fair value of its investments. Investments are reflected at fair value in the financial statements except for stable value investments that are reflected at book value (see Note 5). The fair value for securities are based on quoted market prices in an active market. Fair value for mutual and institutional funds are determined using the net asset value of each fund as of the financial statement dates. Security transactions are recorded as of the trade date. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Participant loans are valued at cost, which approximates fair value. Payment of Benefits Benefits are recorded when paid. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires Plan management to make estimates and assumptions that affect the reported amounts of net assets available for Plan benefits and the changes therein as well as certain disclosures. Actual results could differ from those estimates. Risks and Uncertainties The Plan provides for investments in Company common stock, various mutual funds and other investments. Investments, in general, are exposed to various risks, such as interest rate, credit and overall market volatility risk. Due to the level of risk associated with certain investments, it is reasonably possible that changes in the values of investments will occur in the near term and that such changes could materially affect the amounts reported in the statements of net assets available for plan benefits and Participant account balances. Rates of return will vary, and returns will depend on the market value of the Plan's investments. 5

3. SUMMARY OF THE PLAN Description of the Plan The following description of the Plan provides only general information. Participants should refer to the Plan document for a more complete description of the Plan's provisions. In the case of any discrepancy between this summary and the Plan document, the Plan's provisions will control. General The Plan is a defined contribution plan covering all employees of the Company and those subsidiaries and affiliates of the Company that have adopted the Plan except (a) building trades workers under a construction industry collective bargaining agreement, (b) leased employees, (c) independent contractors or (d) non-resident aliens who receive no U.S. sourced income. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA). Contributions Active Participants may contribute up to 16% of eligible compensation, as defined in the Plan. Active Participants age 50 or over may contribute an additional pre-tax contribution up to a total amount of $3,000 for 2004. Participants may also contribute amounts representing rollover eligible distributions from other defined benefit or defined contribution plans, 403(b) annuity plans, 457 governmental plans or conduit Individual Retirement Accounts that have been holding a distribution from a qualified plan. Participants direct their contributions into the various eligible investment options offered by the Plan. In general, the employer matching contribution is 75% of the first 6% of eligible compensation that the Participant contributes into the Plan. Additional discretionary matching contributions may be made of up to 50% of the first 6% of eligible compensation that the Participant contributes to the Plan. All employer matching contributions (including the discretionary match) are fully vested at all times. Participants may elect to invest all or a portion of their contributions to the Plan in the Company common stock fund. In addition, Participants may elect to have dividends paid on their investment in Company common stock either reinvested in the Company stock fund or paid to them in cash, and they can transfer all or part of their investment in Company common stock fund to the other investment options offered by the Plan with the exception of the Reliant Resources and Texas Genco common stock funds. Contributions are subject to certain limitations. Investment Options The Plan offered the following investment funds (Funds): - Company Common Stock Fund - Large Company Growth Fund - Large Company Value Fund - International Equity Fund - Balanced Fund - Fixed Income Fund - Stable Value Fund - S&P 500 Index Fund - Mid-Sized and Small Company Fund - Reliant Energy (formerly Reliant Resources) Common Stock Fund - Texas Genco Common Stock Fund 6

Upon enrollment in the Plan, Participants may direct contributions (as permitted), in 1% increments, in any of the investment options, except for the Reliant Energy (formerly Reliant Resources) and Texas Genco Common Stock Funds which are closed to new contributions. Participants should refer to the Plan prospectus for a detailed description of each investment fund. As discussed in Note 1, the Company on December 14, 2004 acquired all the outstanding shares of Texas Genco common stock including shares held by the Plan. As a result of the transaction, investments of the Texas Genco Common Stock Fund were liquidated and the proceeds reinvested in accordance with Participant elections. Employee Stock Ownership Plan The Plan includes an employee stock ownership component (ESOP) that contains Company stock, a portion of which was encumbered by a loan. In connection with the ESOP, the Company was a party to an ESOP Trust Agreement between the Company and State Street Bank (Prior ESOP Trustee). The Prior ESOP Trustee purchased shares of the Company's common stock in open market transactions with funds provided by loans (Loans) from the Company. The Prior ESOP Trustee completed the purchases of shares of the Company's common stock in December 1991 after purchasing 18,762,184 shares at a cost of $350 million. At December 31, 2003, the total balance of the Loans was $1 million. The Loans bore interest at a fixed rate of 9.783% and were repaid in full during 2004. At December 31, 2003, the fair value of the ESOP Loans, including accrued interest, was $1 million. In March 2004, the Plan repaid all outstanding principal and interest related to the ESOP Loans and allocated the remaining Unallocated ESOP shares to Participant accounts. As a result, future employer contributions will be made in the form of cash, which will be invested in accordance with Participant elections. Participant Accounts Individual accounts are maintained for each Participant. Each Participant's account is credited with the Participant's contributions and with allocations of the Company contributions and Plan earnings. Each Participant's account is also charged with an allocation of administrative expenses. Allocations are based on Participant account balances. A Participant is entitled to their vested account balance. Vesting and Forfeitures Participants are vested immediately in all contributions plus actual earnings thereon. As a result, forfeited nonvested accounts are no longer available and were not used to reduce employer contributions during 2004. Participant Loans A Participant may borrow against their vested account balance. The maximum amount that a Participant may borrow is the lesser of (a) $50,000, reduced by the excess, if any, of the highest outstanding balance of loans to the Participant from all plans maintained by the Company or an affiliated entity during the one-year period ending on the day before the date on which such loan is made over the outstanding balance of loans from the Plan on the date on which such loan is made or (b) 50% of the value of the Participant's vested account balance under the Plan. The loans are to be secured by the pledge of a portion of the Participant's right, title and value of the Participant's vested account balance under the Plan as determined immediately after the loans are made. Loans may be repaid over a period of up to five years and are subject to a $25 origination fee. The minimum loan amount is $500. Interest rates are fixed at the prime rate listed in The Wall Street Journal for the first of each month in which the loan is requested plus one percent. Loan transactions are treated as a transfer to (from) the investment fund from (to) the Participant loans fund. Payment of Benefits Upon termination, a Participant whose account exceeds $5,000 may elect, upon written request at any time, to receive a distribution in a single lump sum payment or fixed monthly, quarterly, semi-annually or annual installments over a period of ten years or less. The Participant may have the above selected distribution option paid in the form of cash, Company or Reliant Energy (formerly Reliant Resources) common stock or in any combination. 7

Generally, to the extent a Participant has not requested a distribution by the time he reaches age 70-1/2, required minimum distributions will be made consistent with the terms and conditions of the Plan and the requirements of the Internal Revenue Code of 1986, as amended (Code). Immediate lump sum distributions are made for accounts which do not exceed $5,000. A Participant who is under age 59-1/2 may make a withdrawal from amounts attributable to after-tax contributions and, if applicable, rollover contributions in the Plan and associated earnings. A Participant who is under age 59-1/2 and has less than five years of service who withdraws matched after-tax contributions will be suspended from Plan participation for six months. A Participant who is age 59-1/2 or older may make unlimited withdrawals from pre-tax contributions, after-tax contributions, vested portion of prior Plan accounts, rollover account and the associated earnings. Administration The assets of the Plan are held in trust by The Northern Trust Company (Trustee). ADP Retirement Services was the recordkeeper for the Plan through April 8, 2004. Hewitt Associates has been the recordkeeper since April 8, 2004. The Benefits Committee of CenterPoint Energy, Inc. (Committee), appointed by the Board of Directors of the Company, is the Plan administrator. The Committee retains an independent investment consultant to provide investment advice with respect to the Funds. The fees charged by the Trustee and the investment consultant are paid by the Trustee out of the Funds. Termination of the Plan Although it has not expressed any intent to do so, the Company may terminate the Plan at any time subject to the provisions of ERISA and must give written notice to the Trustee. 4. INVESTMENTS The following presents investments that represent five percent or more of the Plan's net assets available for plan benefits. DECEMBER 31, --------------------------- 2004 2003 ------------ ------------ Company common stock, 27,565,537 and 34,749,760 shares, respectively $311,490,568 $336,725,174 Reliant Energy (formerly Reliant Resources) common stock, 10,070,967 and 15,277,399 shares 137,468,700 112,441,657 PIMCO Total Return Fund, 9,107,057 and 8,556,526 shares, respectively 97,172,302 91,640,394 Barclays Global Investors Equity Index Fund, 5,139,414 and 5,212,017 shares, respectively 87,524,213 80,056,574 During 2004 the Plan's investments (including gains and losses on investments bought and sold, as well as held during the year) appreciated in value as follows: Common stocks $136,415,649 Common or collective trusts 23,065,526 Mutual funds 11,969,607 ------------ $171,450,782 ============ As detailed above, the Plan has significant holdings of Company common stock. As a result, the values of the Plan's investments may be materially impacted by the changes in fair value related to this security. 8

5. STABLE VALUE FUND The Company has a Stable Value Fund that has investments in synthetic guaranteed investment contracts as well as short and intermediate-term fixed income investments. The contract value and fair value of the fund were $114,620,405 and $114,173,762, respectively as of December 31, 2004. Total interest income of the Stable Value Fund totaled $3,862,265 for the year ended December 31, 2004. The crediting interest rates ranged from 3.4% to 3.6% for the year ended December 31, 2004. The fund's blended rate of return was 3.5% in 2004. The crediting rates for synthetic contracts are reset quarterly and are based on the market value of the underlying portfolio of assets backing these contracts. Inputs used to determine the crediting rate include each contract's portfolio value, current yield to maturity, duration and market value relative to the synthetic contract's book value. 6. TAX STATUS The Internal Revenue Service (IRS) has determined and informed the Company by letter dated April 2, 2001 that the Plan, as amended and restated effective April 1, 1999 and as thereafter amended, is qualified and the trust fund established is tax-exempt under the appropriate sections of the Code. Although the Plan has been amended since receiving the determination letter, the Plan administrator and the Plan sponsor's counsel believe that the Plan is designed and is currently operated in compliance with the applicable requirements of the Code. 7. RELATED PARTY TRANSACTIONS During 2004, the Plan purchased and sold shares of the Company's common stock and units of short-term investment funds managed by the Trustee as temporary investments (party-in-interest transactions) as shown below: 2004 ------------- Purchases Company common stock $ 82,329,926 Northern Trust collective short-term investment fund 400,883,203 Sales Company common stock $ 73,553,646 Texas Genco common stock 37,934,567 Northern Trust collective short-term investment fund 399,217,250 8. TRANSFER OF PLAN ASSETS During 2004, the Plan transferred $224,724,975 in plan assets related to Texas Genco Participants. The Committee believes that the asset transfer was a tax-exempt transaction under the Code. 9

CENTERPOINT ENERGY, INC. SAVINGS PLAN EIN: 74-0694415 PN: 015 SCHEDULE H, LINE 4i SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2004 (c) DESCRIPTION OF INVESTMENT INCLUDING MATURITY (b) IDENTITY OF ISSUE, BORROWER, DATE, RATE OF INTEREST, COLLATERAL, PAR OR (e) CURRENT (a) LESSOR OR SIMILAR PARTY MATURITY VALUE VALUE Cash $ 198,727 Abbot Labs Common stock 1,161,585 Abercrombie & Fitch Co. Common stock class A 901,440 Accenture LTD Common stock class A 407,700 Elan Corp PLC ADR 247,975 Aetna Inc. Common stock 636,225 Altria Group Inc. Common stock 745,420 Ambac Financial Group Common stock 804,874 Amylin Pharmaceticals Inc. Common stock 156,512 Analog Devices Inc. Common stock 915,616 Aramark Corp. Common stock class B 466,576 Avaya Inc. Common stock 247,680 Avery Dennison Corp. Common stock 299,850 Baxter International Inc. Common stock 224,510 Beckman Coulter Inc. Common stock 187,572 Best Buy Common stock 398,114 Bisys Group Inc. Common stock 388,220 Boeing Co. Common stock 445,222 Brown & Brown Inc. Common stock 274,365 C H Robinson Worldwide Inc. Common stock 177,664 Cardinal Health Inc. Common stock 546,610 Caterpillar Inc. Common stock 316,907 Canadian National Railway Co. Common stock 312,375 * CenterPoint Energy Inc. Common stock 311,490,568 Cephalon Inc. Common stock 237,610 Checkfree Corp. Common stock 974,848 Cisco Systems Inc. Common stock 1,366,440 Constellation Brands Inc. Common stock class A 1,339,488 Corning Inc. Common stock 543,774 Costco Wholesale Corp. Common stock 624,489 Deere & Co. Common stock 156,240 Dell Inc. Common stock 1,445,402 Delphi Corp. Common stock 277,816 DST Systems Inc. Common stock 458,656 Ebay Inc. Common stock 209,304 Electronic Arts Common stock 450,264 Eli Lilly & Co. Common stock 646,950 EMC Corp. Common stock 255,764 Estee Lauder Cos. Common stock class A 393,622 Fairchild Semiconductor International Inc. Common stock 492,678 FHLMC Common stock 1,245,530 First Data Corp. Common stock 476,448 10

CENTERPOINT ENERGY, INC. SAVINGS PLAN EIN: 74-0694415 PN: 015 SCHEDULE H, LINE 4i SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2004 (c) DESCRIPTION OF INVESTMENT INCLUDING MATURITY (b) IDENTITY OF ISSUE, BORROWER, DATE, RATE OF INTEREST, COLLATERAL, PAR OR (e) CURRENT (a) LESSOR OR SIMILAR PARTY MATURITY VALUE VALUE Flextronics International Ltd. Common stock 345,500 Forrest Lab Inc. Common stock 637,012 Freescale Semiconductor Common stock class B 18 Franklin Resources Inc. Common stock 90,545 Gallagher Arthur J & Co. Common stock 256,750 General Mills Inc. Common stock 263,463 Genzyme Corp Common stock 638,770 Gilead Sciences Inc. Common stock 503,856 Gillette Co. Common stock 1,670,294 Golden West Financial Corp. Common stock 859,880 Goldman Sachs Group Inc. Common stock 353,736 Graco Inc. Common stock 582,660 Guidant Corp. Common stock 72,100 Halliburton Co. Common stock 718,092 Hospira Inc. Common stock 83,750 Indymac Bancorp Inc. Common stock 434,070 Intel Corp. Common stock 678,310 International Business Machines Corp. Common stock 887,220 Kimberly Clark Corp. Common stock 513,318 King Pharmaceuticals Inc. Common stock 513,360 KLA Tencor Corp. Common stock 23,290 Kohls Corp. Common stock 599,874 Liberty Media International Common stock 388,332 Inc. Lowes Cos. Common stock 1,065,415 McGraw Hill Companies Inc. Common stock 357,006 McKesson Corp. Common stock 673,244 Medco Health Solutions Inc. Common stock 499,200 Medtronic Inc. Common stock 859,291 MGI Pharma Inc. Common stock 184,866 Michael's Stores Inc. Common stock 431,568 Microsoft Corp. Common stock 1,826,964 Millennium Pharmaceuticals Inc. Common stock 191,496 Motorola Inc. Common stock 655,320 Nextel Communications Inc. Common stock class A 723,000 Noble Energy Inc. Common stock 320,632 Omnicom Group Inc. Common stock 311,984 Petsmart Inc. Common stock 252,263 Pfizer Inc. Common stock $.11 1/9 par value 1,425,170 Precision Castparts Corp. Common stock 269,288 Reliant Energy, Inc. Common stock 137,468,700 Research in Motion Ltd. Common stock 160,719 Southwest Airlines Co. Common stock 156,288 Schering-Plough Corp. Common stock 1,348,848 Scientific-Atlanta Inc. Common stock 145,244 Sealed Air Corp. Common stock 261,023 11

CENTERPOINT ENERGY, INC. SAVINGS PLAN EIN: 74-0694415 PN: 015 SCHEDULE H, LINE 4i SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2004 (c) DESCRIPTION OF INVESTMENT INCLUDING MATURITY (b) IDENTITY OF ISSUE, BORROWER, DATE, RATE OF INTEREST, COLLATERAL, PAR OR (e) CURRENT (a) LESSOR OR SIMILAR PARTY MATURITY VALUE VALUE Sprint Corp. Common stock 69,580 State Street Corp. Common stock 176,832 Staples Inc. Common stock 360,697 Talbots Inc. Common stock 114,366 Tektronix Inc. Common stock 286,995 Time Warner Inc. Common stock 318,816 Tyco International Ltd. Common stock 489,638 Verisign Inc. Common stock 258,104 Watson Pharmaceuticals Inc. Common stock 764,473 Wyeth Common stock 489,785 XM Satellite Radio Holdings Common stock class A 342,342 Yahoo Inc. Common stock 859,104 ----------- Total Common Stocks 498,581,364 ----------- Common or Collective Trusts Barclays Global Investors Barclays Global Investors Equity Index Fund 87,524,213 Barclays Global Investors Barclays Global Investors Russell 1000 Growth Index Fund 29,742,410 Barclays Global Investors Barclays Global Investors Russell 1000 Value Index Fund 35,172,671 Barclays Global Investors Barclays Global Investors Russell 2000 Index Fund 9,422,458 Capital Guardian Capital Guardian International (Non-U.S.) Equity 31,477,347 Fund Capital Guardian Capital Guardian U.S. Small Capitalization Fund 16,671,653 Capital Guardian Capital Guardian U.S. Growth Equity Fund 40,876,448 * Northern Trust Northern Trust Collective Short-term Investment Fund 10,626,557 SEI SEI Stable Asset Fund 12,861,717 ----------- Total Common or Collective Trusts 274,375,474 ----------- Mutual Funds ICAP ICAP Mutual Fund Equity Portfolio 33,293,294 Ishares Russell 1000 Growth Index Fund 1,351,625 Loomis Sayles Loomis Sayles Fixed Income Fund 34,960,108 PIMCO PIMCO Total Return Fund 97,172,302 Selected American Shares Fund Selected American Shares Fund 45,427,618 Templeton Institutional Funds Foreign Equity Series Prime Shares 15,590,700 Turner Turner Mid-Cap Growth Fund 9,848,088 ----------- Total Mutual Funds 237,643,735 ----------- 12

CENTERPOINT ENERGY, INC. SAVINGS PLAN EIN: 74-0694415 PN: 015 SCHEDULE H, LINE 4j SCHEDULE OF REPORTABLE TRANSACTIONS FOR THE YEAR ENDED DECEMBER 31, 2004 (h) CURRENT (f) EXPENSE VALUE OF (a) IDENTITY (b) DESCRIPTION OF ASSET INCURRED ASSET ON (i) NET OF PARTY (INCLUDE INTEREST RATE AND (c) PURCHASE (d) SELLING (e) LEASE WITH (g) COST OF TRANSACTION GAIN OR INVOLVED MATURITY IN CASE OF A LOAN) PRICE PRICE RENTAL TRANSACTION ASSET DATE (LOSS) SERIES OF TRANSACTIONS Barclays Global Barclays Global Investors Investors Equity Index Fund $35,481,520 $ - $ - $ - $35,481,520 $35,481,520 $ - Barclays Global Barclays Global Investors Investors Equity Index Fund - 26,026,567 - - 25,524,484 26,026,567 502,083 Barclays Global Barclays Global Investors Investors Russell 1000 Growth Index Fund 33,354,353 - - - 33,354,353 33,354,353 - Barclays Global Barclays Global Investors Investors Russell 1000 Growth Index Fund - 30,308,476 - - 28,673,696 30,308,476 1,634,780 CenterPoint CenterPoint Energy, Inc. Energy, Inc. Common Stock * 82,329,926 - - - 82,329,926 82,329,926 - CenterPoint CenterPoint Energy, Inc. Energy, Inc. Common Stock * - 73,553,646 - - 86,669,723 73,553,646 (13,116,077) Northern Northern Trust Collective Trust Company Short-term Investment Fund * 400,883,203 - - - 400,883,203 400,883,203 - Northern Northern Trust Collective Trust Company Short-term Investment Fund * - 399,217,250 - - 399,217,250 399,217,250 - Capital Capital Guardian U.S. Growth Guardian Equity Fund 42,000,000 - - - 42,000,000 42,000,000 - Capital Capital Guardian U.S. Growth Guardian Equity Fund - 42,443,072 - - 42,000,000 42,443,072 443,072 PIMCO PIMCO Total Return Fund 67,122,941 - - - 67,122,941 67,122,941 - PIMCO PIMCO Total Return Fund - 45,017,287 - - 42,025,599 45,017,287 2,991,688 SEI SEI Stable Asset Fund 23,566,908 - - - 23,566,908 23,566,908 - SEI SEI Stable Asset Fund - 47,295,879 - - 47,295,879 47,295,879 - * Party in interest 14

SIGNATURE THE PLAN. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the Plan) have duly caused this annual report to be signed on its behalf by the undersigned thereunto duly authorized. CENTERPOINT ENERGY, INC. SAVINGS PLAN By /s/ BYRON R. KELLEY ---------------------------------- (Byron R. Kelley, Chairman of the Benefits Committee of CenterPoint Energy, Inc., Plan Administrator) June 28, 2005 15

EXHIBIT INDEX 23.1 CONSENT OF MC CONNELL & JONES LLP 23.2 CONSENT OF DELOITTE & TOUCHE LLP

EXHIBIT 23.1 INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM CONSENT We consent to the incorporation by reference in Registration Statement No. 333-115796 of CenterPoint Energy, Inc. on Form S-8 of our report dated June 10, 2005 appearing in this Annual Report on Form 11-K of the CenterPoint Energy, Inc. Savings Plan for the year ended December 31, 2004 /S/ MC CONNELL & JONES LLP - -------------------------- Houston, Texas June 28, 2005 16

EXHIBIT 23.2 INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM CONSENT We consent to the incorporation by reference in Registration Statement No. 333-115796 of CenterPoint Energy, Inc. on Form S-8 of our report dated June 25, 2004 appearing in this Annual Report on Form 11-K of the CenterPoint Energy, Inc. Savings Plan for the year ended December 31, 2003. /S/ DELOITTE & TOUCHE LLP - ------------------------- Houston, Texas June 28, 2005 17