Synchrony Financial Results Presentation Deck

Non-GAAP Reconciliation* The following table sets forth the components of our Tier 1 Capital + Reserve ratio for the periods indicated below. Tier 1 capital. Less: CECL transition adjustment. Tier 1 capital (CECL fully phased-in) Add: Allowance for credit losses .. Tier 1 capital (CECL fully phased-in) plus Reserves for credit losses. Risk-weighted assets Less: CECL transition adjustment. Risk-weighted assets (CECL fully phased-in) synchrony * - Estimated at March 31, 2021, $ in millions. At March 31, Total 2020 $12,405 (2,417) $9,988 9,175 $19,163 2021 $14,115 (2,595) $11,520 9,901 $21,421 $81,639 $76,965 (2,386) (2,204) $79,435 $74,579 18

View entire presentation