Well Positioned to Deliver Sustainable Growth

Non-GAAP Reconciliation Continued The following table sets forth the components of our Tier 1 Capital + Reserves ratio for the periods indicated below. $ in millions At December 31, Total 2014 2020 2022 Tier 1 Capital $9,277 $ 13,525 $ 12,493 Less: CECL transition adjustment (2,686) (1,719) Tier 1 capital (CECL fully phased-in) $9,277 $ 10,839 $ 10,774 Add: Allowance for credit losses 3,236 10,265 9,527 Tier 1 capital (CECL fully phased-in) plus Reserves for credit losses $12,513 $ 21,104 $ 20,301 Risk-weighted assets $64,162 Less: CECL transition adjustment $ 80,561 $ 91,596 (2,477) (870) Risk-weighted assets (CECL fully phased-in) $64,162 $ 78,084 $ 90,726 "synchrony 30

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