Well Positioned to Deliver Sustainable Growth
*
Driving Strong Financial Results
BALANCED GROWTH SINCE YEAR OF IPO¹ AT STRONG RISK-ADJUSTED RETURNS
5%
ANNUAL GROWTH IN
LOAN RECEIVABLES
4%
ANNUAL GROWTH IN
NET INTEREST INCOME
10%
10%
ANNUAL GROWTH IN
AVERAGE
RISK-ADJUSTED RETURN²
DILUTED EARNINGS PER SHARE
80%+
ROBUST FUNDING, CAPITAL AND LIQUIDITY
12.8%
CETI RATIO
22%
DEPOSIT FUNDED
(vs ~11% target)
TIER 1 CAPITAL + CREDIT
LOSS RESERVE RATIO*
$22.24
TANGIBLE BOOK VALUE
PER SHARE (+46% vs 2Q20**)
Reflects the sum of our "Tier 1 Capital" and "Allowance for Credit Losses," divided by our "Total Risk-Weighted Assets". Tier 1 Capital and Risk-Weighted Assets are adjusted to reflect the fully phased-in impact of CECL.
These adjusted metrics are non-GAAP measures, see non-GAAP reconciliation in appendix.
synchrony
**
Tangible book value (TBV) is a non-GAAP measure, also referred to as Tangible common equity (TCE); see non-GAAP reconciliation at the end of this presentation
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