Well Positioned to Deliver Sustainable Growth
Digital Bank Serves as Funding Foundation
STRONG RELATIONSHIPS
STABLE FUNDING OVER TIME
Optimized Deposit Base through Cycles
OPPORTUNITY FOR GROWTH
Award-winning online franchise
Forbes
ADVISOR
BEST OF
2022
the ascent
Reviewed 7/2021
A MOTLEY FOOL SERVICE
nerdwallet.
-BEST-
BANKS
2022
>$50b
digital,
direct US bank
$49
$54 $52 $50
$56
$42
$37
Бо
~$60k
average balance
per account
94% 94% 94% 94%
2.42%
94%
Online Savings
Account
2.00%
1.54% 1.59%
90% 91%
1.72%
1.54%
0.91%
5+ years average relationship
~40%
have a SYF
credit product
2016 2017
2018 2019 2020 2021 2022
Retail Deposits ($B)
Customer Retention
Cost of Total Interest-Bearing Deposits
Stable Deposit Vintages
80%+ balances > 3 years
Customer Satisfaction
Industry-leading customer satisfaction scores
Frictionless
Digital banking customer experience
synchrony
Diversifying with younger, mass-
market depositors through
partnerships
-
Savings
$410.23
Earning interest
Add money
Weekly
$10
$50
$150
Other
Fridays
Put your savings to
work
Transfer money from your bank account or PayPal
balance and earn interest on your savings. Plus, you
can set up auto-save to make life easier.
14View entire presentation