Synchrony Financial Results Presentation Deck

Other Expense Other Expense $ in millions $1,002 1Q'20 Employee costs Professional fees Marketing/BD Information processing Other Other expense Efficiency(a) synchrony 1Q'20 $324 197 111 123 247 $1,002 32.7% 1Q'21 $364 190 95 131 152 $932 36.1% (7)% $932 1Q'21 V$ $40 (7) (16) 8 (95) $(70) V% 12% (4)% (14)% 7% (38)% (7)% 3.4 pts. 1Q'21 Highlights Other expense down 7% Decrease primarily due to lower operational losses, lower Marketing and Business Development costs partially offset by Employee costs ● Efficiency ratio 36.1% vs. 32.7% prior year ● Increase driven by lower revenue partially offset by reduction in Other expense 12

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